Cross River Bank
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Data as of · sourced from FFIEC call reports. How we update
Cross River Bank is an FDIC-insured commercial bank headquartered in Fort Lee, NJ, established in 2008 (FDIC certificate 58410), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.53B, up 7.4% from Q2 2025, the 6th largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58410
- Headquarters
- Fort Lee, NJ
- Established
- 2008
- Total assets, Q2 2026
- $8.53B
- Assets vs Q2 2025
- +7.4%
- Tier 1 leverage ratio, Q2 2026
- 11.78%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 021214273
- Holding company
- CRB GROUP, INC.
- Asset rank in state
- 6th of 49 in New Jersey
Cross River Bank spends more to run itself than most banks of its size. Its balance sheet stood at $8.5 billion at June 30, 2026, up 7.4% from a year earlier; it is based in Fort Lee, New Jersey. It loses about $0.30 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
It lost $6.4 million in the quarter. Over the same year, loans grew 4.5% and deposits grew 0.5%. Credit is the area to watch: it carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size.
As of June 30, 2026, Cross River Bank reported a return on assets of -0.30%, a nonperforming-loan ratio of 2.79% and a Texas ratio of 14.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cross River Bank is the 6th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $8.53B, loans rose 4.3% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by other consumer loans, at 46.3% of total loans, followed by loans to nondepository financial institutions at 28.4%. The FDIC Summary of Deposits lists 2 offices for it, in Fort Lee, NJ and Wilmington, DE; its Fort Lee office books 100% of its branch deposits. On its Q2 2026 call report, Cross River Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2115 Linwood Ave, Fort Lee, NJ 07024
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- June 23, 2008
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 938
- Domestic deposits
- $6.68B
- Allowance for credit losses
- $80.6M
- Net charge-offs (YTD)
- $80.1M
- Average total assets
- $8.58B
- Average total loans
- $5.79B
- Average interest-bearing deposits
- $5.49B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 23, 2008
- FDIC Cert
- 58410
- Fed RSSD
- 3783313
- SEC CIK
- 1688431 → filed by CRB GROUP, INC.
- Website
- http://www.crossriverbank.com →
- Parent Holding Company
- CRB GROUP, INC. (RSSD 4389329)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cross River Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cross River Bank's total assets ran between $7.94B (Q2 2025) and $8.91B (Q1 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.53B total assets against $7.94B; $7.50B total liabilities against $6.89B.
$5.87B net loans and leases against $5.58B; $6.68B total deposits against $6.65B.
$1.37B securities against $1.28B; $750.6M cash and balances due against $666.3M.
$155.7M total interest income against $177.3M; $51.3M total interest expense against $71.5M.
$104.4M net interest income against $105.8M.
$33.4M total noninterest income against $11.0M; $120.0M total noninterest expense against $99.7M.
$28.4M provision for credit losses against $8.5M.
-$6.4M net income against $4.9M.
-0.30% return on assets against 0.23%; 5.13% net interest margin against 5.05%.
11.78% tier 1 leverage ratio against 12.84%.
Inside the full Cross River Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCross River Bank rankings
Its closest position to the top of a national ranking is 186 of 4,196, for total assets; its furthest is 3,539 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.30% (Q2 2026) to 0.87% (Q1 2025) and its net interest margin ran from 5.04% (Q1 2026) to 5.56% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | -0.30% | 2.79% | 14.24% | 5.13% |
| Q1 2026 | 12.82% | 0.57% | 3.45% | 17.36% | 5.04% |
| Q4 2025 | 13.49% | -0.16% | 4.82% | 20.87% | 5.47% |
| Q3 2025 | 13.06% | 0.19% | 2.63% | 12.02% | 5.43% |
| Q2 2025 | 12.84% | 0.23% | 3.07% | 13.59% | 5.05% |
| Q1 2025 | 12.87% | 0.87% | 10.40% | 13.91% | 5.56% |
| Q4 2024 | 13.01% | 0.58% | 11.40% | 13.50% | 5.39% |
| Q3 2024 | 12.28% | 0.68% | 11.68% | 14.19% | 5.37% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cross River Bank (main office) | Fort Lee , NJ | 07024 | $6.68B |
| Delaware Branch | Wilmington , DE | 19801 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.5% of deposits in NJ, rank 14 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 24 loans originated, $98.0M originated, across 4 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $7.8M approved, $778K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cross River Bank
What are Cross River Bank's total assets?
As of the Q2 2026 filing, Cross River Bank reported total assets of $8.53 billion in its FFIEC call report.
Where is Cross River Bank headquartered?
It is headquartered in Fort Lee, NJ, United States.
When was Cross River Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Cross River Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cross River Bank?
Cross River Bank's primary federal regulator is the FDIC.
How many branches does Cross River Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cross River Bank's Texas Ratio?
Its Texas Ratio is 14.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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